Rating based on 32 reviews

Seed Cash

  • Payday loans up to $5,000
  • Low-interest starting from 299.3%
  • Repayment up to 28 weeks

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Author Seed Cash. Screenshot of Seed Cash website.
[Accessed July 3, 2019]

Seed Cash - Loan approvals in 15 minutes

Seed Cash is your one-stop cash solution. We give you the help you need today and the advice you need for a brighter tomorrow.

Get a fast cash loan of up to $5,000 with approval in as little as 15 minutes. Our friendly customer-focused team is there to ensure that the process runs smoothly and will handle any questions or issues that may arise. No matter what you need the cash for, we will assist you in your time of need.

Streamline cash solution

Our payday loan process is simple and easy, there is no paperwork to complete and the contract is straightforward and easy to read and understand. We are people too and we understand that sometimes issues may arise.

If you are having problems making payments let us know and we will assist you with a solution that will keep everyone happy and content. We pride ourselves in operating fairly and getting you the short-term loans you need when you need them.

Our service is unique as we offer our clients free financial tips and advice to help them understand their shortfalls and manage their money more efficiently.

Seed Cash Services

To qualify for a Seed Cash payday loan you will need to meet certain criteria. Answer the following questions and you are one step closer to getting the cash that you require.

To apply you must meet the following requirements:

  • You need to be 18 years old to apply for a Seed Cash instant loan
  • You are required to be a citizen of New Zealand and reside here
  • You must have a full-time job with a stable income
  • You must have been employed there for at least 3 consecutive months
  • You will need to provide us with a copy of your photo ID
  • Proof of address
  • To apply you will need to have access to internet banking and hold a bank account in your name that the money can be paid straightforward.
  • You will need a valid email address and mobile number

Seed Cash – Payday loan

  • Loan Type Payday loans
  • Interest Rate 299.3438% p/a
  • Loan Amount up to $5,000
  • Repayment 30 days to 28 weeks

Benefits of Seed Cash

  • No hidden charges
  • Your money is available within 10 minutes
  • Online application

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Seed Cash - Quick loan payouts

If you meet all the requirements then please complete the online loan application form using your personal details.

There are a number of different ways to apply:

  • Via our website – complete the application and one of our consultants will be in touch.
  • Mobile application- use your mobile and download the App for iPhone, Android or Google
  • Sms- apply by sending a free SMS to 5808 (this service is for returning clients only)
  • Phone- give us a call and we will call you back.

Secure uploading technology

You can upload your and statements directly to the website using a secured link. We use Decision logic and Credit Sense to get your application approved as quickly as possible and upload your bank statements as well as proof your identification.

Getting your application approved

Once you have completed the application form we will verify your details and give you an outcome within a few minutes. We will send you an SMS to let you know if your loan has been approved. If we require additional information we will give you a call. Once we have received your signed loan contract we will transfer the money straight into your bank account with 15 minutes

Paying for your loan

Our payday loans require you to set up a direct debit on your account. The money will be debited directly from your account on the agreed upon date to align with your pay frequency.

If you prefer we can arrange a manual payment method or you can make a payment at any of our branches. If you are having problems repaying your loan let us know so that we can assist you.

Do you need cash quickly?

Our unsecured loan terms range from 4 weeks and up to 28 weeks depending on the loan agreement and your ability to repay the loan. The longer you take to repay the loan the more it will end up costing. The shorter your lone term the higher your repayments will be but the less interest you will be charged.

If you dot repay your loan on time you will incur additional charges and penalty fees. If you don’t let us know that you are having issues you will be reported to the credit reporting agency and we will contact your employer to lodge a wage deduction request.

There are no penalties charged if you wish to repay your quick loan early. You will be charged interest daily on your outstanding balance until we have reached a payment agreement and set up a payment plan.

Finding out where you stand

Once you have entered into a loan agreement you will be given a unique customer code that will allow you to log into your account and view your contact details. You will be able to arrange payment details or let us know of any issues via this platform.

Make sure to use our online calculator so that you can ensure that you can afford the bad credit loan before you apply.

Why was my loan declined?

Possible reasons include:

  • The information provided is false or we were not able to verify it is correct.
  • If you are under the age of 18
  • If you don’t reside in New Zeeland
  • If your ID or passport is not valid
  • If you are not employed
  • If you don’t meet the minimum loan requirements
  • If you don’t earn at least $300 per week
  • If you don’t have an active bank account or internet access

One stop verification

We use the latest technology to keep your information secure and to make the process as smooth as possible. If you have problems using credit sense or design logic then you can scan and email us your supporting documents.

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Seed Cash is a trusted & reliable provider of payday loans

In our review, Seed Cash adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

Seed Cash is a registered credit provider in New Zealand: FSPFSP 423226

Customer Reviews & Testimonials

You are amazing! Well done on such an awesome service!

Nicole S
— Whanganui —

Seed Cash is the company for you if you need urgent cash. I got approved for a payday loan and 30 minutes later I had the cash.

Nikau D
— Dunedin —

Seed Cash understands that applying for a payday loan shouldn’t take days. They’ve designed their application process to be fast and simple like it should be.

Kalani H
— Christchurch —

Seed Cash Contact

Contact Number



Physical Address

Postal Address

  • PO Box 105680, Auckland Centre, 1143, New Zealand, Auckland, 1143, New Zealand

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed